Canon National Bank

Canon National Bank is headquartered in Canon City and is the 33^rd largest bank in the state of Colorado. It is also the 2,800^th largest bank in the nation. It was established in 1974 and as of December of 2011, it had grown to 80 employees at 9 locations. Canon National Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Canon National Bank FDIC Certificate # 21801 BankRate Report View Year Established 1974 Employees 80 Primary Regulator OCC Assets and Liabilities Assets $226.57 million Loans $116.26 million Deposits $200.98 million Equity Capital $24.82 million Loan Loss Allowance $3.68 million Unbacked Noncurrent Loans $3.27 million Real Estate Owned $4.19 million Historic Data - December 2010 Assets $228.15 million Equity Capital $23.87 million Loan Loss Allowance $4.16 million Unbacked Noncurrent Loans $3.57 million Real Estate Owned $4.79 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 0.24% Return on Equity 2.22% Interest Income $10.66 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Canon National Bank had $7.46 million in non-current loans and owned real-estate with $28.5 million in equity and loan loss allowances on hand to cover it. This gives Canon National Bank a Texas Ratio of 26.17% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Canon National Bank held steady from 29.80% as of December 31, 2010 to 26.17% as of December 31, 2011, resulting in a positive change of 12.18%.This indicates that the balance sheet and financial strength for Canon National Bank has held steady in recent periods. Deposit Growth In the past year, Canon National Bank has decreased its total deposits by -$2.36 million, resulting in -1.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Canon National Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Canon National Bank has $226.57 million in assets with $28.5 million in equity, resulting in a capitalization level of 12.58%, which is excellent.

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